FHA Loans
Get the best FHA loans in Lincoln & Omaha, NE! Low down payments, flexible credit, and great rates.
What are FHA Loans?
An FHA loan is a government-backed mortgage designed to help buyers with lower credit scores or smaller down payments achieve homeownership. With down payments as low as 3.5% and flexible credit requirements, FHA loans are a great option for first-time buyers and those who may not qualify for conventional loans.
As mortgage brokers in Lincoln and Omaha, NE, we offer some of the best pricing on FHA loans, helping you secure a lower rate and save more on your home purchase.
Benefits of an FHA Loan
✅ Low Down Payment – Buy a home with as little as 3.5% down.
✅ Flexible Credit Requirements – Qualify with a score as low as 580 (or 500 with a larger down payment).
✅ Competitive Interest Rates – FHA loans often have lower rates than conventional options.
✅ Easier Qualification – More lenient debt-to-income and credit score guidelines.
✅ Gift Funds Allowed – Use gifted money for your down payment and closing costs.
✅ 203(k) Home Improvement Option – Finance repairs and upgrades into your loan.
Why Work with a Mortgage Broker?
Unlike banks, mortgage brokers have access to multiple lenders, allowing us to secure some of the best rates and lowest costs on FHA loans. Whether you’re in Lincoln or Omaha, we make the process simple and help you find the right loan for your needs.
Get Started Today
Thinking about buying a home? An FHA loan could be your key to affordable homeownership. Contact us to see how much you qualify for and get the best FHA loan pricing available.
📞 Call us today or apply online now!
Lincoln, NE
Omaha, NE
Nebraska
Lincoln is a growing city with a strong job market, affordable housing, and a vibrant community. For many first-time homebuyers and those with lower credit scores, FHA loans make homeownership possible by offering low down payment options and flexible credit requirements. Whether you’re looking to buy a home in a historic neighborhood or a newer development, FHA financing provides an accessible and affordable path to homeownership. Plus, working with a mortgage broker ensures you get some of the best rates and terms available in the Lincoln market.
As Nebraska’s largest city, Omaha offers diverse housing opportunities, from urban condos in the Old Market to family-friendly homes in Millard and Elkhorn. With rising home prices, FHA loans help Omaha residents afford a home with as little as 3.5% down while benefiting from competitive interest rates. The city’s strong job market and growing economy make homeownership a smart investment, and FHA loans provide a solution for those who may not qualify for conventional financing. By working with a mortgage broker in Omaha, buyers can access multiple lenders and secure better pricing on their FHA loan.
Throughout Nebraska, FHA loans make homeownership more attainable for residents in both urban and rural areas. With its flexible credit requirements and lower down payment options, an FHA loan is ideal for buyers who may have limited savings or are recovering from financial setbacks. Whether you’re purchasing a home in a larger metro area like Omaha or Lincoln or a smaller town in rural Nebraska, FHA loans offer a reliable, government-backed solution. Plus, mortgage brokers across the state can help buyers find the best FHA loan rates, ensuring they get the most affordable financing for their new home.
FHA Loans
Higher DTI Ratio Allowance
FHA loans allow higher Debt-to-Income (DTI) ratios than conventional loans, making it easier to qualify even with existing debt.
Streamline Refinance Option
FHA borrowers can refinance with reduced paperwork and no appraisal through the FHA Streamline Refinance program, often lowering payments with minimal hassle.
No Prepayment Penalty
Pay off your FHA loan early without worrying about extra fees, giving you more flexibility to save on interest.
Discover Tailored Solutions For Your Home
At Capital City Mortgage, we understand that every financial journey is unique. Our expert team is committed to providing personalized guidance that aligns with your specific needs. From competitive rates to customized plans, we are here to empower you with the knowledge and resources to make informed decisions. Start your path to homeownership today and experience the difference of a mortgage designed just for you.